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Home > Personal Banking > Loans > Smart Credit     Loans   Smart Credit Smart Credit Overdraft is a revolving credit facility that offers you 100% Cash Withdrawal Limit. With Smart Credit, you get access to money just when you want through Free ATM Cash withdrawals using your Debit Card or Free Multi City Cheque Book. That’s not all, Interest is levied only on the limit utilised and it offers you the flexibility to repay back the same. Its time to bid Goodbye to EMIs and High rates of Interests! Enhanced Credit Limit* Attractive Interest Rate ATM cash withdrawal facility Flexibility in repayment Multicity Cheque book facility Shop around the World 24 – hours Phone Banking facility Easy access Cheque Collection Boxes   To about more about the features Click here. Documentation, Eligibility & Charges FAQs Grievance Redressal Terms & Conditions Call us now at Phone banking     * The Smart Credit Account Limit is at the sole discretion of the bank and can be increased, decreased or blocked based on the bank’s credit polices.

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